Reviewing TrustCo Bank Corp NY (TRST)’s and Webster Financial Corporation (NYSE:WBS)’s results

TrustCo Bank Corp NY (NASDAQ:TRST) and Webster Financial Corporation (NYSE:WBS) are two firms in the Regional – Northeast Banks that compete against each other. Below is a comparison of their profitability, analyst recommendations, institutional ownership, risk, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
TrustCo Bank Corp NY 177.37M 4.40 61.45M 0.60 11.79
Webster Financial Corporation 1.15B 4.40 351.70M 3.73 14.41

We can see in table 1 the earnings per share (EPS), top-line revenue and valuation of TrustCo Bank Corp NY and Webster Financial Corporation. Webster Financial Corporation appears to has higher revenue and earnings than TrustCo Bank Corp NY. Presently more affordable of the two stocks is the business with a lower price-to-earnings ratio. TrustCo Bank Corp NY is trading at a lower price-to-earnings ratio than Webster Financial Corporation, indicating that it is currently more affordable of the two stocks.


Table 2 shows us the return on equity, return on assets and net margins of both businesses.

Net Margins Return on Equity Return on Assets
TrustCo Bank Corp NY 34.65% 11.3% 1.1%
Webster Financial Corporation 30.58% 12.8% 1.2%

Risk and Volatility

TrustCo Bank Corp NY has a beta of 1.05 and its 5.00% more volatile than Standard & Poor’s 500. Webster Financial Corporation’s 3.00% more volatile than Standard & Poor’s 500 volatility due to the company’s 1.03 beta.


The annual dividend that TrustCo Bank Corp NY pay is $0.27 per share with a dividend yield of 3.31%. On the other side, $1.25 per share with a dividend yield of 2.27% for Webster Financial Corporation.

Analyst Ratings

The next table highlights the shown recommendations and ratings for TrustCo Bank Corp NY and Webster Financial Corporation.

Sell Ratings Hold Ratings Buy Ratings Rating Score
TrustCo Bank Corp NY 0 0 0 0.00
Webster Financial Corporation 1 0 1 2.50

Competitively Webster Financial Corporation has an average target price of $65, with potential upside of 18.87%.

Insider & Institutional Ownership

TrustCo Bank Corp NY and Webster Financial Corporation has shares held by institutional investors as follows: 65.4% and 92.3%. TrustCo Bank Corp NY’s share held by insiders are 1.9%. Competitively, Webster Financial Corporation has 0.5% of it’s share held by insiders.


In this table we provide the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
TrustCo Bank Corp NY -10.52% -13.69% -22.42% -20.67% -22.42% -23.26%
Webster Financial Corporation -10.79% -10.29% -16.63% -19.34% -5.96% -4.42%

For the past year TrustCo Bank Corp NY was more bearish than Webster Financial Corporation.


On 13 of the 14 factors Webster Financial Corporation beats TrustCo Bank Corp NY.

TrustCo Bank Corp NY operates as the holding company for Trustco Bank that provides personal and business banking services to individuals, partnerships, and corporations. The company is primarily involved in accepting deposits, and making loans and investments. It also operates as a real estate investment trust that acquires, holds, and manages real estate mortgage assets, including residential mortgage loans and mortgage backed securities. In addition, the company serves as the executor of estates and trustee of personal trusts; provides asset and wealth management, estate planning and related advice, and custodial services; and acts as trustee for various types of employee benefit plans, and corporate pension and profit sharing trusts. As of December 31, 2016, it operated 145 offices and 157 automatic teller machines in New York, Vermont, Massachusetts, New Jersey, and Florida. The company was founded in 1902 and is headquartered in Glenville, New York.

Webster Financial Corporation operates as the holding company for Webster Bank, National Association that provides financial services to individuals, families, and businesses in the United States. It operates through four segments: Commercial Banking, Community Banking, HSA Bank, and Private Banking. The Commercial Banking segment provides lending, deposit, and cash management services to middle market companies; and asset-based lending, commercial real estate, and equipment finance, as well as treasury and payment services, which include government and institutional banking. The Community Banking segment offers deposit and fee-based services, residential mortgages, home equity lines/loans, unsecured consumer loans, and credit cards to consumers, as well as investment and securities-related services, including brokerage and investment advice through a strategic partnership with LPL Financial Holdings Inc. This segment also provides credit, deposit, and cash flow management products to businesses and professional service firms. The HSA Bank segment offers health savings accounts, health reimbursement accounts, flexible spending accounts, and other financial solutions to employers for the benefit of their employees and individuals. The Private Banking segment provides relationship banking services for high net worth clients, not-for-profit organizations, and business clients for asset management, trust, loan, and deposit products and financial planning services. The company also provides its services telephone and mobile banking services, as well as through its Website. As of February 14, 2017, it operated 175 banking centers and 350 ATMs. Webster Financial Corporation was founded in 1935 and is headquartered in Waterbury, Connecticut.

Receive News & Ratings Via Email - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings with our FREE daily email newsletter.